What is the maximum duration for which the Homeowners Policy (HOP) covers contents while moving?

The Homeowners Policy typically provides coverage for personal property while it is in transit due to a move to a new residence. This coverage generally extends for a maximum duration of 30 days. During this period, the insured's belongings are protected against risks specified in the policy, such as theft or damage from various hazards.

This limited time frame is designed to offer transitional support while individuals or families are relocating, ensuring they are not left unprotected during the moving process. Once the 30-day period elapses, coverage for the contents in transit usually ceases unless the items are moved into the new home, at which point they would again be covered under the homeowner's policy.

Other durations like 15 days, 60 days, or 90 days do not align with the standard policies, as coverage typically does not extend beyond the 30 days unless otherwise stated in specific endorsements or added coverage options. Understanding this aspect of homeowner's insurance is crucial for managing risks associated with moving.